Cashless or Reimbursement in Health Insurance.

Lots of person are confused between cashless and reimbursement in health insurance policies.Generaly both terms usually comes on Health Insurance and most preferable term is Cashless, but question is here that what is cashless or reimbursement?

So, Friends here I will provide you entire details about the cashless and reimbursement, which is definitely helpful for you.

Cashless: Now a day’s cashless claim provider insurance company is on top. The reason behind this is in cashless we don’t need to pay any amount from our pocket, but it’s limited till your policy coverage.

Suppose a person has been taken a policy with coverage of 10 lakh and due to some operation his claim amount comes more than 10 lakh, than insurance company will directly pay 10 lakh and remaining amount paid by customer from their own pocket.

In cashless health insurance policy company will issue a card to every policy holder and once the customer received card, than customer can use that card for treatment. Customer just need to show their Identity proof and card to hospital or clinic counter and after that whatever treatment cost comes, that will be automatically deducted from card.This is most useful, helpful and hassle free process.

Reimbursement: This is a little tough and its create some hassle too, because in reimbursement person always needs to pay money from their own pocket and after that person needs to collect all medical bills, diagnostic test bill, discharge summary and submit it to respected insurer from the person has been bought policy and after successful submission of documents insurance company will pay the amount as per bill details.

How to choose Cashless Health Insurance Plan?

Its little tough to choose cashless plan, because now a day’s most of insurance company provides cashless plans, but the condition is they provide cashless facility to their network hospital only. If due to some reason you went to some non-network hospital, than you have to pay bill amount from your pocket and then company will reimburse you after getting bills.

So, in this situation you need to keep some points on your mind at the time of buying health insurance policy.

1. Your Locality

2. More network hospital, more profit

3. Check insurer network hospital list on your area.

4. What benefit you are getting under the plan.

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